Empirical Research On The Management Of Personal Credit Information In China's Internet

Credit Investigation is the core business of financial industry.Which is a credit information management activity including obtaining,processing and utilization.In recent years,Internet industry has rapidly developed in China.Therefore the transformation of traditional financial industry to Internet Finance comes a necessary trend.The supports of big data and cloud computing technologies,make managing personal credit to evaluate credit rating through Internet possible.There is still a gap of construction in building credit information management between China and other developed countries which affects globalization development to some extent.Accordingly the effective use of personal credit information,and the improvement of Internet credit information management system have practical significance.This paper studies on credit information management from 3 perspectives including obtain,process and exploit of information with the support of information management theories.Especially in the chapter of credit information processing,the back propagation neural network algorithm is used for quantitative analysis and the empirical research of 'sesame credit' is launched to provide related industries with useful reference.